Credit Card Review & Application

UNITY Visa - The Comeback Card

4.0

out of 5

- Limited Time Offer: New cardmembers get a $25 rebate* - To be eligible, applications must be submitted between now through 12/31/16 and accounts must be in good standing for 90 days after opening.
- Apply online in less than 5 minutes, and you could be approved today!
- No Minimum Credit Score required; low interest rate of 17.99%
Fully refundable FDIC security deposit* required at time of application; if you have a min of $250 to deposit immediately, you can start now!
- No application fee or penalty rate
- Build your credit with monthly reporting to all 3 major credit bureaus
- 24/7 online access to your account
- *See the Cardholder Agreement for more details.



Introductory APR: 9.95%*
Introductory Period: 6 months on BT
APR on Purchases: 17.99% (fixed)*
Annual Fee: $39*
Card Issuer: Other Issuers
Card Network: VISA®
Card Category: Consumer (Secured)
Card Type: - Card for Bad Credit
- Guaranteed Approval
Credit Needed: Bad Credit OK*

It's not often we can go down a checklist of what we would like to find in a credit card offer and have every one of those needs met, but the UNITY Visa Comeback Secured Card does that and much more. This secured card offer is ideal for everyone, from college students to younger couples who are just beginning their lives to those nearing retirement and looking for ways to make the most of their financial choices. As American consumers become more focused on financial education, the time is right for an offer such as this. Whether it was the recession, complete with the catastrophic collapse of the mortgage industry or simply a new shared mindset that each of us have a responsibility for our own financial security, there's no denying we're far savvier than perhaps our parents were when it comes to credit, savings and spending habits.

This is a secured Visa offer, not a prepaid card, which means your payments are reported to the three major credit bureaus. This is another great way to strengthen your buying power. With buying power comes choices, including lower interest rates in the future. The deposits are placed in an FDIC insured account, so you know your investment is safe. If you're just beginning to establish your credit, there are several educational benefits to the Unity Visa website, including a secured credit card blog. Here you'll find updates in the financial sector as well as great money tips.

The truth is, it's difficult to function without credit in our contemporary society. Whether it's auto repairs, the need to book airline reservations or to hold a hotel room, a credit card is as important as anything else in our financial tool boxes. We never know when an emergency will hit. Cash is fine in many instances, but frankly, we, as consumers, are limited in what we can do with the cash in our wallets. This secured credit card offer closes that gap. The lower fees, the absence of high deposit requirements and lower interest rates than its competitors, you already have an advantage.

The convenience factor is another great benefit. Not only is customer service just a phone call away, but the Android and iPhone apps make it easy to stay on top of your finances. You can set up alerts whenever your payroll check is deposited, when a charge is placed on your secured card and other optional alerts that are important to you. You select the ones you want. Online budgeting is also a popular credit management tool. With more than 10,000 ATMs, you can withdraw cash with no surcharges.

Another reason consumers prefer this secured card is because of the Purchase Rewards. This program allows you earn cash back or you can choose to enjoy impressive discounts from major retailers you already do business with. It's easy to use with no hoops to jump through - simply set up your Purchase Rewards online and begin earning right away. And speaking of technological marvels, you can send money to others simply by emailing or texting it to them. No more checks or cash withdrawals to repay your part of lunch. It's easy to use and doesn't require any kind of elaborate set up. In fact, it's part of your Unity secured Visa account. And did we mention you can also receive money? If you're the one who covered lunch last week for your co-workers, they can quickly pay their share with no hassles.

Finally, with your new Visa account, you can quickly pay bills online, manage your other accounts, keep up with your budget and even prepare your taxes - all from the easy to navigate website. If it's a full service financial experience you're looking for, complete with a secured credit card that reports your payment habits to the three credit bureaus; if it's low fees and many perks and benefits you want to find, then the Unity secured Visa is the offer for you. Applying is easy and once you're approved, you'll enjoy these - and many more benefits. Ultimately, it comes down to choices and when it's our finances at stake, nothing is better than a choice.


The review prepared by . Opinions expressed therein are solely those of the reviewer.

Other Benefits: *See Terms and Conditions of the card for other benefits
Credit Reporting: Yes
Online Account Access: Yes
100% Guarantee Approval: Yes
Introductory APR: 9.95%*
Applied Towards: Balance Transfer
Introductory Period: 6 months on BT*
APR on Purchases: 17.99% (fixed)*
Annual Fee: $39*
Grace Period: 25 days*
Min Finance Charge: $1.00
Min Credit Line: $250
Max Credit Line: $10,000
Late Payment Fee: See Terms*
Over Limit Fee: $0.00
Balance Transfer: Yes
Transfer Fee (%): 3.00%
Minimum Fee: $10.00
APR Cash Advances: 17.99%
Cash Advance Fee: 3.00%
Minimum Fee: $10.00
Additional Fees Foreign Fees: 2% of each transaction in U.S. dollars
Late Payment: Up to $10.00
Returned Payment: Up to $25.00
Customer Service by Phone: None
Expedited Card Delivery: $35.00
Credit Limit Increase: $10.00
Replacement/ Additional Card: $10.00
Stop Payment: $25.00
Payment Assistance by Phone: $1.00
We do not offer online application for this card at the moment.


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† The information provided for UNITY® Visa - The Comeback Card™ is believed to be accurate at the time of evaluation (Dec 30, 2016). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.




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